Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$23,011Cash toward the purchase price.
Closing costs + prepaids$7,489Not just lender fees.
Before credits & paid funds$30,500The complete starting cash picture.
Estimated remaining funds due at closing
$30,500No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$23,011.04
Your down payment$23,011.04
Closing costs + prepaids$7,488.56
Total buyer cash needed$30,499.60
Remaining funds due$30,499.60
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$950.00
Title & settlement$1,825.00
Recording fee$100.00
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$114.75
Prepaid interest, first (28 days)$198.81
Fees + prepaids$7,488.56
Your down payment is the seller’s equity. You take over the $71,989 balance, so the rest of the $95,000 price is paid at closing. A second mortgage can cover part of it. $30,499.60 is due at closing. Uses and sources reconcile at $102,488.56 each. Not a Closing Disclosure.